Mobile commercial systems and methods

A system for sending an e-receipt to a mobile device, the system comprising:

• one or more acquirer systems configured to:
• provide one or more mobile commerce functions;
• receive from a point of sale device of a merchant, via a server, a communication related to a function of a mobile wallet application executed by a mobile device, wherein the communication relates to a purchase initiated at a point of sale device by a previously authenticated user of the mobile device, wherein the previously authenticated user of the mobile device has been authenticated by the point of sale device using an identity credential of the user of the user of the mobile device that has been transmitted to the point of sale device by the mobile device, wherein the identity credential comprises information for authenticating or verifying the previously authenticated user, wherein the communication comprises the identity credential and information identifying an account of the previously authenticated user, and wherein the point of sale device receives the identity credential from the mobile device via a near field communication (NFC) interface;
• route an authorization request related to a purchase to a financial institution;
• and
• receive an approval message in response to the authorization request from the financial institution, the approval message comprising an e-receipt that includes information related to a completion of a purchase, wherein the information related to the completion of the purchase comprises at least one of a dollar amount, a transaction amount, and a transaction date;
• and
• a point of sale device communicatively coupled to the one or more acquirer systems, the point of sale device configured to:
• receive the e-receipt from the one or more acquirer systems;
• and
• transmit, via a wireless communications network, the e-receipt to the mobile wallet application for storage.

A device for providing an e-receipt to a mobile device, the device comprising:

• a point of sale device configured to:
• authenticate a user of a mobile device using an identity credential received from the mobile device using a near field communication (NFC) interface, wherein the identity credential comprises information for authenticating or verifying the previously authenticated user;
• send a communication related to a transaction and comprising an authentication request to one or more acquirer systems, wherein the communication relates to a purchase initiated at the point of sale device, and wherein the communication comprises the identity credential and information identifying an account of the previously authenticated user;
• receive an approval message in response to the authorization request for a purchase from a financial institution via the one or more acquirer systems, the approval message comprising a first e-receipt;
• generate a second e-receipt comprising information related to the completion of a purchase, wherein the information related to the completion of a purchase comprises at least one of a dollar amount, a transaction time, a transaction date;
• and
• transmit one or both of the first e-receipt and the second e-receipt to a mobile wallet application of a mobile device via a wireless communications network.